Other questions address other nationalities/situations, or are quite dated. Looking for recommendation of good travel insurance for an EU resident visiting the US on a tourist visa. No medical problems, just looking to cover incidentals/emergencies. Thanks!
Involved in a four-car accident, at-fault party's insurance couldn't cover all the property damages. Now what? [more inside]
When my parent died, they had a pension/insurance policy from their government job which was meant to pay out half to me and half to my grandmother. The problem is I am afraid my grandmother (who is old and sick and getting regular medical treatment) shouldn't accept the payout because she's on Medicare/SSDI and can't have an income. I remember getting a 1099 for my half, so it is definitely considered income. I have no idea what to do or where to go for help about this. I am in New York City, although this concerns the state pension system. [more inside]
We're booking flights from the US to Scandinavia soon, with the trip planned for late May 2014. I'm getting confusing guidance about when it's best to buy trip/travel insurance from a third party vendor (i.e. not our airline). [more inside]
My second grader might have juvenile glaucoma. Our insurance is changing at the beginning of the year. How fast do we need to proceed? [more inside]
I have a close family member who I am somewhat estranged from. But he has some needs that I have the skills to help with, and I want to help. Help me help him. [more inside]
Tree roots have grown into the main water line that runs from the meter to my house and the whole thing has to be dug up and replaced. (Merry Christmas to me!) It occurred to me while talking with plumbers yesterday that my homeowner's insurance might cover something like this. However, I read the policy packet and am not seeing any details about what my insurance does and doesn't cover. [more inside]
My doctor sent me for a colonoscopy due to family history. The clinic gave me some paperwork saying it would be completely covered unless they found something, and then it would be $250. They didn't find anything. I lost the paperwork. Now they're sending me bills for $3100. [more inside]
Hello all, I was laid off from my job in July and went to Europe for a few months. Now that I am back in USA, I tried to sign up for affordable care act via www.mahealthconnector.org/ only to find out this site is the reincarnation of the devil. I cannot finish my application for this health insurance because I get stuck on a page that requires me to put in my employer info. Now since I am unemployed I obviously do not have an employer. This site literally will not let me complete the rest of the application without entering a whole bunch of information on my current employer which does not exist! How on earth do people without jobs apply for this?? Does anyone else run into this frustrating issue? Is there any other health insurance I can sign up for?
Our finished basement flooded thanks to a backed up sink and the iron filter discharge running. As far as we've been able to discern, our insurance does cover this. We've had a cleanup crew sent out by the insurance company. However, I've got some concerns on how it's being handled, specifically that not enough and not enough of the right work is being done. [more inside]
’d like to buy a 1 million dollar life insurance policy for myself to protect my family and dependents should I die unexpectedly. I already know to get a term plan and avoid the other trappings that insurances may offer. Now the question is how do I do this? More inside [more inside]
In November I purchased a 1985 Volkswagen Vanagon. Two days ago it was hit in the middle of the night. They drove off at the time, but came back the next morning and gave their insurance information. [more inside]
In order to get reimburstment, I was requested by my insurance to provide medical record from my doctor. I'm wondering is there any bad impact in the future to release these confidentical (psychiatric)counselling histrory to insurance company? They do not always request this. This is the first time. I do not know why they are requesting it this time. I guess maybe because I submitted the claim for several visits all together which is a large bill that they are not willing to pay? Any my doctor is kind of tight on this saying that he had never done this before and unless I sign a release and come to pick up myself he would not do it. His emphasis on "comfidencial" made me think about is there any bad impact if I release this to insurance company? Will it be in my public record? will I be quoted higher premium in the future? Will these be recorded as pre-existing conditions? Does it worth it to give up reimburstment to keep record from insurance? Thanks.
I am totally paralyzed with indecision about the health insurance options I have at work this coming year. Halp! High deductible plan with an HSA vs tried-and-true HMO. [more inside]
Hopefully, this won't be an expensive lesson in car insurance practices, but I lent my car to a teenager... and she got into an accident. [more inside]
We are preparing to build a house. We've been doing this for many months, have talked to architects, contractors, and our city's planning and building department, and we still have lots of questions. Lend us some expertise on foundations, design, and construction? [more inside]
I currently pay $19.90 a month for term life insurance (and had some medical tests done for it, beforehand). But I can get life insurance for cheaper from other equally reputable companies ... but without a medical exam. I want to switch over, but I am worried that it might be the wrong decision. [more inside]
My brother and I are sitting down with my parents tomorrow to discuss specifics of what they've put in place for end of life planning. What should we ask? [more inside]
I'm in the process of buying my first condominium. Is using the same insurance agent that holds the condo association's insurance for my own homeowners/content policy a good idea? If not, any suggestions for insurance agents in the Bergen County area of NJ?
I have had quite a lot of medical expenses this year - much of it not covered by insurance. I will speak to my accountant about tax write offs. Is there anyway to get reimbursed for any of the following out of network: blood tests (expensive tests) phone consultations dr visits vitamins travel time Thank you in advance
I've had a home-owners policy with the same insurance company since purchasing my house in 2002. Last week, I had a message on my answering machine from a man identifying himself as an auditor with a 2nd party surveying firm. He said he was calling at the request of my insurance company to set up a date/time for a survey of my house. [more inside]
I've looked at all the askme NYC psychiatrist questions but haven't found what I'm looking for, which is a recommendation for a doctor who will pretty much do two things: take insurance and manage meds. I am not interested in talk therapy; I have a non-MD therapist that I love. My prescriptions are just straightforward antidepressant/anxiety stuff. [more inside]
A few weeks ago, I asked whether I should join Costco, and on your recommendation, I did (and am quite happy). Several people mentioned the Costco-branded insurance (underwritten by Ameriprise). There are both auto and renter's lines of insurance available, and my existing policies with another carrier are coming up for renewal. How is the insurance coverage and customer service on the Costco policies (or with Ameriprise in general)? Did you actually save the money you were expecting? Are there other carriers we should consider? [more inside]
Without getting into the politics or likelihood of it all, I was wondering what happens to insurance policies acquired through the ACA if the ACA somehow gets repealed? Are those people (who might have pre-existing conditions, etc) going to be left without insurance? [more inside]
Mildew in our apartment destroyed a lot of my stuff, and I would like to make a claim on my renter's insurance. I am looking for advice about how to go about this to ensure that this goes as best for me as possible. [more inside]
Looking for the cheapest online option and any words of wisdom from someone who has gone through the course. [more inside]
My husband and I are looking to purchase term life and supplemental LT disability insurance, but we're really not sure what terms to look for (and look out for), which companies are reputable, and how the process works overall. Do you have any experience here? [more inside]
My boyfriend has a 2002 Ford Taurus with 300,000 miles on it. It burns oil and has some impact damage on the front so that you have to remove the plastic grill to open the hood. It needs an inspection sticker and getting one will require a new windshield and possibly some other repairs. He has just purchased a new vehicle and wants to wash his hands of the Taurus. He says I can have it if I want it. [more inside]
My roof was replaced a year ago, due to hail, paid for by my insurance company and performed by a local contractor. This morning, in heavy rain, I see fresh water-tracks down a wall of my bathroom. I'm not sure who to call, or how to get all my ducks in a row prior to calling. [more inside]
For the first time, I have a choice of health insurance plans at a new job. I sort of understand the differences and benefits of each, but am feeling some serious choice paralysis. [more inside]
I had surgery in a private surgery center. I found out that they billed my insurance company $139,000 for an outpatient procedure (wtf???!! absurd amount). They then threatened me by email that I may be liable for the amount if I don't okay the the charges to the insurance company. I'd like to report the activity to someone who investigates this stuff, or talk to a lawyer. It's in San Jose, CA. Any ideas? [more inside]
Hello everyone, my mom was taken to a hospital by ambulance a few mornings ago when she couldn't move her legs and get out of bed. This stems from a previous issue with nerve damage and spinal problems which she's had surgery for before. She met the same doctor from her previous surgery, whom she couldn't pay, and was berated and threatened by him. [more inside]
Would I be penalized for not having health insurance in the US for three months while changing jobs? [more inside]
I'm investigating reappraising our house to get rid of PMI. We meet the conditions for application, which involve bringing in an appraiser. The appraiser we would pay for is hired through the mortgage company — we have no control over the appraisal process. Do appraisers who are hired to get rid of PMI do a fair and honest job in calculating the true market value, or, alternatively, do their valuations fall close to online appraisals on average, within some percentage? (Are online estimates close to market value, within noise? Two online estimates suggest we are over the required valuation by roughly 40-50k.) Finally, are there downsides or gotchas to getting rid of PMI, other than a smaller federal deduction at tax time? [more inside]
In the light of several recent arson cases in Somerville, MA, we would like to get additional home insurance for our condo unit. I'm not sure how to go about it. [more inside]
In the state of Michigan, USA, can your auto insurance [liability+collision+comprehensive] premium be increased as a result of a collision claim for which the driver/policyholder is judged 'not at fault' by the police or court? I thought that it could, but I have a friend who is sure it cannot. Can any of you provide a definitive answer?
My wife was rear ended twice back on August 28th (she is fine, no injuries). Our 2012 Focus suffered rear bumper damage. The driver of the other car failed to stop after my wife and another vehicle in front of her, waited to make a left-hand turn. [more inside]
Near where I live in Boston, there is a dangerous road, and a particularly dangerous intersection. I'd like to take action to have someone take steps to remediate it. Can you recommend specific resources and data to use to make the most compelling call to action? [more inside]
I'm looking for therapists in San Francisco and I just found out that I'm covered under United Behavioral Health. I'm wondering if people've had any experience seeing a therapist or a psychiatrist through them, and how I might go about finding someone in their provider directory who'd a good match for me. I'd also really appreciate any recommendations for therapists in SF who take UBH. [more inside]
Unfortunately we did not win Powerball last night but it sparked an interesting conversation. Do wealthy (US) people have health insurance? I would think that once you hit a certain amount of wealth you could go ahead and drop it, right? Like $50 million or so? Which made us discuss how someone like Sunny von Bulow could be kept in luxurious surroundings for most of her comatose life. Would her family have paid out of pocket or are rich people dealing with same health insurance BS that the rest of us do? I mean she was in a coma for years, it had to have cost a small fortune.
Her car edged forward and bumped into mine while waiting on a red. What should I have done? [more inside]
Having found the lump a year ago this June, it took me until today to find the courage to try doing something. Many of the sites I found said to go through my local health department, so I finally worked up the courage to walk in today. They had no idea what to say, and no longer offer any program that would help. I walked out with a pamphlet for a clinic in another town that they think "might" have a program to help with a sliding payment scale but they weren't even sure about that. [more inside]
My friend's wife pushed me from their deck into their in-ground pool on Sunday at a party. Now my knee is damaged. I could barely walk back to my car; saw a doctor tuesday; complete tear of the ACL + more (evil triad if that means anything to you.) I'm married, have a 21 month old and work for myself (I make money when I'm mostly on the road, although I do some writing/consulting from home.) Minimum I'm off my feet for a month....yes, I'm consulting lawyers, but I'd like to keep the friendship, if possible. Help! [more inside]
Does anyone have any experience with purchasing health insurance through the Freelancer's Union? Any feedback on the process and level of satisfaction with coverage would be appreciated. [more inside]
I got into an accident yesterday. It was my first accident so I really had no idea what to do. The other driver kept insisting it was my fault and I just kept apologizing (which is admitting fault?). How does this play in during the insurance claim? [more inside]
Negotiating self pay medical bill. I want to have an idea of how much the surgical practice/surgeon would have been paid if the patient had had insurance. How much will they get if they hire a collection agency? Do they get a percentage or just sell the debit for a fixed price? The patient is being billed 1850.00 self pay for the procedure. The procedure was at a major Boston hospital and the patient is being billed self pay due to a temporary lapse in subsidized insurance. The hospital has already written off the bill. The billing date was sometime around the end of March 2013. The patient has been told by the billing organization that represents the surgeon that they have to deal directly with the surgeon or their practice.
I have no medical insurance and cannot afford to see my physician to get my prescriptions refilled. Any idea(s) on how I could possibly get then refilled for nothing ? [more inside]
How does one insure fine art? A friend of ours recently inherited a piece of art. At the time they thought it was just a print and the estate valued it as just that. Turns out, it's the real deal! They have home owners insurance, but not sure if they should be getting something additional now that they know they have a seriously high value piece. They don't want to contact insurance company and raise a flag/ premium if it isn't something you normally do. So, I turn to the experts...
The co-pay is still high, because the device's mark-up seems ridiculous. [more inside]
My friend Stan (very) recently moved to the USA, and has already had a run-in with his health insurance that we are not sure how to deal with. Stan's new boss Joe invited Stan's family over for an afternoon, and at some point Stan's five year old fell and cut his arm on a rock in the garden. [more inside]